互联网金融背景下商业银行发展策略研究

Southwestuniversityofscienceandtechnology本科毕业设计（论文）互联网金融背景下商业银行发展策略研究学院名称经济管理学院专业名称国际经济与贸易专业学生姓名付雪琴学号20121303指导教师衡兵副教授二〇一六年六月I西南科技大学本科生毕业论文互联网金融背景下商业银行发展策略研究摘要：近年来，随着网络技术和移动通信技术的普及，互联网金融在我国日益兴起，并以其便捷、高效、低成本等特点逐渐获得人们广泛认可。互联网金融的快速发展在为人们带来便利的同时，也对商业银行造成了巨大的影响。在互联网金融与商业银行竞争不断加大时，商业银行紧跟时代步伐，改革发展模式，加强了互联网金融产品的开发和推广，试图创新出特色产品来维持经营。本文是以商业银行为视角，研究其在互联网金融背景下的发展策略。首先，从互联网金融方式、机构、规模、用户四方面介绍互联网金融发展现状和发展趋势，然后，分析互联网金融对商业银行的影响，主要从中介角色、业务、客户源、盈利模式、经营模式层面介绍，最后，结合商业银行自身优势提出发展策略，主要有打造专属互联网金融产品、加大科技投入、提高风险控制能力、加强与互联网金融公司的合作等。关键词：互联网金融；商业银行；发展策略II西南科技大学本科生毕业论文ResearchontheDevelopmentStrategyofCommercialBanksUndertheBackgroundofInternetFinancialAbstract:Inrecentyears,withthepopularizationofnetworktechnologyandmobilecommunicationtechnology,theInternetfinancialemerginginourcountry,andforitsconvenience,highefficiencyandlowcostgraduallywidelyendorsed.TherapiddevelopmentofInternetfinancialforpeoplebringconvenient,alsocausedahugeimpactoncommercialBanks.IncreasingcompetitionintheInternetfinanceandcommercialbank,commercialBankstokeeppace,reformanddevelopmentmode,strengthenthedevelopmentandpopularizationoftheInternetfinancialproducts,tryingtostayinbusinessinnovationwithcharacteristicproducts.ThisarticleisbasedontheperspectiveofcommercialBanks,thepaperstudiesdevelopmentstrategyunderthebackgroundoftheInternetfinancial.Firstofall,fromthewayoffinancial,institutional,scale,userfouraspectstointroducetheInternetfinancialdevelopmentpresentsituationanddevelopmenttrend,then,analyzedtheinfluenceoftheInternetfinancialofcommercialBanks,mainlyfromtheintermediaryrole,business,customersource,profitmodel,businessmodelisintroduced,finally,combinedwiththeadvantagesofcommercialbankdevelopmentstrategyisputforward,mainlytobuildexclusiveInternetfinancialproducts,increaseinvestmentinscienceandtechnology,improvetheriskcontrolability,strengthenthecooperationwithInternetfinancialcompanies,etc.Keywords:Internetfinancial;commercialbank;developmentstrategyIII西南科技大学本科生毕业论文目录一、引言....................................................................................................................................1（一）选题背景及意义.....................................................................................................1（二）文献综述.................................................................................................................1二、互联网金融的发展现状及趋势........................................................................................2（一）互联网金融发展现状.............................................................................................21、互联网金融方式疯狂生长....................................................................................22、互联网金融机构蓬勃发展....................................................................................23、互联网金融规模逐年扩大....................................................................................34、互联网金融用户与日俱增....................................................................................3（二）互联网金融发展趋势.............................................................................................41、移动化趋势逐渐显现............................................................................................42、业务模式向小额化、分散化发展........................................................................43、互联网金融逐渐向规范化发展............................................................................5三、互联网金融对商业银行的影响分析................................................................................5（一）互联网金融弱化了商业银行传统中介角色.........................................................5（二）互联网金融的发展对商业银行的业务造成巨大冲击........................................61、分流商业银行储蓄存款........................................................................................62、冲击商业银行的贷款业务....................................................................................63、挤压商业银行中间业务........................................................................................7（三）瓜分商业银行客户资源.........................................................................................7（四）对商业银行盈利模式的挑战.................................................................................8（五）影响了商业银行的传统经营服务模式.................................................................81、服务模式函待完善................................................................................................82、小微企业金融服务模式有待创新........................................................................8四、商业银行应对互联网金融的发展策略............................................................................9（一）商业银行竞争优势.................................................................................................91、雄厚的资产实力，信用度高................................................................................9IV西南科技大学本科生毕业论文2、客户资源丰富........................................................................................................93、完善的风险控制体系............................................................................................94、行业规范化程度更高..........................................................................................10（二）商业银行在互联网金融背景下的发展策略............